Which type of policy provides various levels of cover rather than optional extensions for medical expenses insurance?

The type of policy that provides various levels of cover instead of optional extensions for medical expenses insurance is known as a stand-alone policy. Stand-alone policies are specifically designed to cover a defined set of risks or expenses independently, allowing individuals to choose a policy that fits their needs without relying on additional extensions or add-ons provided in other policy types. This focused approach makes it easier for consumers to understand the coverage they are getting without the complexity that might come from optional extensions.

In contrast, basic policies offer limited coverage and often lack the flexibility seen in stand-alone options. Comprehensive policies typically include a wide range of coverages and may provide optional extensions, making them more versatile but not necessarily aligned with the specific request for various levels of cover. Combined policies usually integrate multiple types of coverage, which again does not fit the framework of providing various levels of cover solely for medical expenses.